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AC04La cuenta del beneficiario existe en formato pero ha sido cerrada y no puede recibir fondos.
AC04 means the IBAN is structurally valid and was once a real account, but the account has since been closed. The beneficiary may have changed banks or closed the account deliberately.
Contact the beneficiary and ask for their current active account details. Update your payment records and resend once you have the new IBAN.
Contacte al beneficiario para obtener sus datos bancarios actuales y reenvíe el pago.
Track your payment by UETR — free on Ohmyfin: Rastreador SWIFT
→ Full AC04 reference (English)